The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard was created to increase controls around cardholder data to reduce credit card fraud. Validation of compliance is performed annually, either by an external source that creates a Report on Compliance (ROC) (for organizations handling large volumes of transactions), or by Self-Assessment Questionnaire (SAQ) for business and medical practices handling smaller volumes.
The PCI Data Security Standard specifies twelve requirements for compliance, organized into six logically related groups called “control objectives”. Each version of PCI DSS has divided these twelve requirements into a number of sub-requirements differently, but the twelve high-level requirements have not changed since the inception of the standard.
1. Install and maintain a firewall configuration to protect cardholder data
2. Do not use vendor supplied defaults for system passwords and other security parameters
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public, networks
5. Use and regularly update anti-virus software on all systems commonly affected by malware
6. Develop and maintain secure systems and applications
7. Restrick access to cardholder data by business need-to-know
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data
10.Track and monitor all access to network resources and cardholder data
11.Regularly test security systems and processes
12.Maintain a policy that addresses information security